Business insurance for Personal trainers

The passion of a personal trainer (PT) or fitness instructor is to help people become fit and healthy, but sometimes accidents happen during physical activity – that’s why business insurance might be an important consideration.

If a client injures themselves in a training session with you or during your body pump class, they could bring a liability claim against you. You might even sustain an injury yourself that could prevent you from working.

Whether you operate as part of a fitness business or are a self-employed PT, you can tailor insurance specifically to your circumstances. A comprehensive policy helps to cover costs when things go wrong, so you can get back to normal as quickly as possible.


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Why choose Hiscox for your personal trainer insurance?


Cover from £10 a month*Safeguard your personal training business with comprehensive insurance starting at just £10 a month

*Figures based on policies from at least 10% of our customers


Award-winning cover you can trust

Hiscox has achieved Chartered Insurer status and was named Best Small Business Insurer for 8 years running


Flexible insurance package

Enjoy the freedom to pay monthly, make unlimited changes to your policy and cancel at any time with no fees

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Why do personal trainers need insurance?

Injured clients

As a personal trainer, you design fitness plans that require attention to detail, but you can’t control every scenario. Your client might say a muscle tear they’ve sustained is due to a weight routine you advised or even your instruction during a body pump class. You may not have been there at the time, but if they were training on your advice you may face a negligence claim – PT insurance with professional indemnity cover could help with legal and compensation costs.

Personal injury

You might hurt yourself teaching a spin class, during a session on the gym floor or even have an accident at home that’s unrelated to training. No matter the cause, being injured can damage your earnings as a fitness instructor or personal trainer. Creating a package of cover that includes personal accident insurance means we’ll be there to help with expenses during your recovery time. This assistance can help you to focus on getting better without worrying about finances.

Broken equipment

You provide a quality service for your clients, so you also use specialised kit that needs looking after. Your client could break a brand new TRX system during a session. On top of that, you rely on technology to organise training – so if you drop and smash your phone, you can’t book sessions. A policy that includes portable equipment insurance could help with replacements and repairs, so you can continue being the personal trainer your clients need with minimal disruption.

What cover is included in insurance for personal trainers?

A range of Hiscox policies could be used to create a robust package of cover for a personal trainer including employers’ liability insurance, a commercial property policy and insurance for your equipment.

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These are just some of the types of business insurance for personal trainers that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.

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Insurance for personal trainers: FAQs

Do personal trainers need professional indemnity insurance?

Professional indemnity insurance could be one of the most important policies a personal trainer adds to their package of cover. This is because, as an instructor, your clients come to you for professional fitness advice and to create training plans for them based on this expertise.

No two clients are the same or have the same capabilities and therefore providing guidance in a safe way takes a great deal of knowledge. However, sometimes, no matter how experienced you may be, your advice might lead to accident or injury and your client could decide to claim your direction was negligent – that’s where professional indemnity insurance comes in.

Do personal trainers need insurance for training clients outdoors?

Your PT insurance package may cover you wherever you train your clients, since it can be tailored to your circumstances. Therefore, if you coach clients in outdoor public spaces, such as parks or playing fields, you will be able to include a public liability policy which may provide cover if a member of the public trips on a skipping rope. Equipment insurance could ensure your kit is also covered if damaged.

What insurance do I need for my personal training equipment?

Without your equipment, from medicine balls to resistance bands, you’re unable to carry out your job properly or provide the best service. This is why it could be a good idea to cover your kit with a portable equipment insurance policy so items can be quickly replaced or repaired.

When you’re calculating how much personal trainer insurance is, there are lots of things to consider, including the value of your equipment. This might be an important consideration for you if you’d be unable to cover the cost without a policy, so worth keeping in mind.

Related articles and guides

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What is professional negligence?For professionals considered experts in their field, claims of professional negligence can be a concern. Discover more about the term and how it might affect you with this article.

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How much does public liability insurance cost?

From personal trainers to yoga instructors, a public liability policy might provide the reassurance you’re looking for – discover how much the cover costs with Hiscox.


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